Insurance Car Repair Categories
So if your vehicle was worth 5 000 and your insurance company used a repair to value ratio of 60 the vehicle would be considered beyond economical repair if the work needed exceeded 3 000.
Insurance car repair categories. What are the. Smart insurance support 0800 012 1830. Designed to help keep vehicles in excellent condition. A car can be assigned one of several write off categories depending on the severity of the damage and many written off cars find their way back onto the road or the used car market.
If the necessary repair costs run beyond a. Previously categories c and d were very much governed by the insurance estimated cost of repair. To put it simply a nearly new expensive car will need a lot of damage. Firstly categories a and b where the vehicle is beyond repair and must never return to the road.
Old cat c and cat d write off categories explained. Category c was used where all related costs exceeded the vehicle s value while category d vehicles were judged less expensive to repair than replace. Minor damage insurance provides cover against repairing annoying small dents chips scratches. According to the association of british insurers abi the new categories focus more on the condition of the car rather than the cost of repairing it.
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